Variable annuities have become a part of the retirement and investment plans of many Americans. This brochure is a general description of variable annuities – what they are, how they work, and the charges you will pay. The brochure also includes detailed information on death benefits, surrender
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CFTC SmartCheck is a campaign of the U.S. Commodity Futures Trading Commission (CFTC). It connects investors to tools to check the registration, license, and disciplinary history of certain financial professionals. This collection of tools allows the responsible investor to confirm the credentials
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In consultation with the U.S. Department of the Treasury and President Bush's Advisory Council on Financial Literacy, the FINRA Investor Education Foundation commissioned the first national study of the financial capability of American adults in 2009. The overarching research objectives of the
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This website provides a variety of information on personal finance via learning lessons, frequently asked questions, and an ask-an-expert feature. Featured topics include Investing for Your Future, Planning for a Secure Retirment, and Legally Secure Your Financial Future. It also features several
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This publication helps you manage your money so you can afford today’s needs while funding tomorrow’s goals. This publication shows how saving for retirement can be part of your overall financial plan. Worksheets will help workers at any stage of their career manage their financial life,
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Many workers don't realize how important it is to get an early start on saving for retirement. This Department of Labor Employee Benefits Security Administration video provides information for workers about the importance of saving for retirement and how to get started. The video also has links to
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401(k) plans can be a powerful tool in promoting financial security in retirement. This website highlights a 401(k) plan's advantages, some of the options and responsibilities of an employer in setting up and operating a 401(k), and the different types of 401(k) plans.
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Asset allocation involves dividing an investment portfolio among different asset categories, such as stocks, bonds, and cash. Some financial experts believe that determining your asset allocation is the most important decision that you’ll make with respect to your investments – that it’s even more
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Over the past decade, American investors increasingly have turned to mutual funds to save for retirement and other financial goals. Mutual funds can offer the advantages of diversification and professional management. But, as with other investment choices, investing in mutual funds involves risk.
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